CONSUMER LENDING, COMPLIANCE, AND
CREDIT RISK & REPORTING NEWS

Next-Gen Furnishing and Disputes AI at CDIA 2026

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The Top Headlines This Week: APRIL 27, 2026

Social Media “Tricks” and the Rise of Fraudulent Credit Repair

House Financial Institutions Subcommittee Examines Credit Reporting Accuracy and Impact on Access to Credit

CFPB Research: Household-Level Debt Burdens and Credit-Linked Consumers

Two Recent FCRA Cases Define the Boundaries of Furnisher Accuracy from Opposite Directions

OCC DOGE Regulatory Rollbacks Does Not Mean Regulatory Relief

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Recent INDUSTRY News

FTC to Ban Kochava and Subsidiary from Selling Sensitive Location Data to Settle Charges They Sold Location Data Linked to Millions of Mobile Devices
Credit Unions Need Data Maps Before AI Guardrails
OCC Releases CRA Performance Evaluations for 21 National Banks and Federal Savings Associations
CUs Risk Losing More Than Deposits as Digital Investment Shift Accelerates
GM OnStar Class Action Lawsuit Will Proceed in Court
PenFed Auto Originations Jump 88%
Agencies Issue Host State Loan-to-Deposit Ratios
Experian Need not Scour Dockets for Bankruptcy Discharges, Judge Says
Treasury Issues Proposal to Cease Issuing Paper Checks
AG Lawsuit Underscores Importance of Evaluating Medical Debt Collector Practices
FTC Unveils 2026–2030 Strategic Plan: Data-Driven Enforcement Meets Pledges to Reduce Regulatory Burden
U.S. Consumer Credit Market Increasingly Splitting Along a K-Shaped Path, TransUnion Research Finds
What Businesses Must Know About CCPA/CPRA’s Next Phase
House Subcommittee Hearing Tackles Credit Data Accuracy and CFPB Database Reforms
Wells Fargo Defeats FCRA Claims Over Fraudulent Account
Indiana’s Interra CU Reaches into Ohio for Groundbreaking Bank Acquisition
Experian Maps a Seismic Shift Hitting Lenders Now
5 Must-Read Analyst Questions from Equifax’s Q1 Earnings Call
Charm Voted Winner of NACUSO’s 2026 Next Big Idea Competition
TransUnion Q1 Earnings Call Highlights
Lawmakers Eye New Credit Shortcut, But It Could Backfire for Millions
DCUC Submits Comments to NCUA, Reinforcing Commitment to Balanced, Accountable Deregulation
Advocating for Credit Union Capital Relief
PRESS RELEASE: AMERICA’S CREDIT UNIONS AND PAC PLEDGE NEARLY $8 MILLION FOR 2026 MIDTERM ELECTIONS
Joint Letter to the VA on Implementing President Trump’s Executive Order “Promoting Access to Mortgage Credit”
Weeks v. Equifax, et al: “Charge-Off” Reporting Post-Discharge May Violate FCRA
DC Passes Sweeping Medical Debt Legislation
Two Recent FCRA Cases Define the Boundaries of Furnisher Accuracy from Opposite Directions
OCC Seeks Comment on Proposed DOGE Regulatory Rollbacks
2 Large CUs To Merge in Deal Creating Roughly $7B Institution
ACU Backs 6 NCUA Dereg Moves In New Comment Letters
LendingClub Launches Home Improvement Financing; Begins Underwriting and Originating Loans Through Inaugural Partnership with Wisetack
District Court Holds Five-Day Delinquency Date Discrepancy Not Actionable Under FCRA
At Reimagine 2026, NACUSO Announces Board Changes, New Chair
VantageScore Spots ‘Subtle Migration’ of Consumers Toward Lower Credit Tiers in March
Credit Union Champions on the Ballot as Primaries Resume in May
OpenAI Partners with Customers Bank in Push to Automate Finance
Affirm: Agentic Credit Rewrites the Rules of Consumer Lending
DCUC Files 6 More NCUA Deregulation Letters, Opposes Move to Drop Board Financial-Familiarity Rule
A Court Decision Has Strengthened the CFPB’s Footing as Debates Over its Future Continue
FCRA Guidance in 2026 Clarifies Federal Override of State Laws on Consumer Reports
FCRA Guidance in 2026 Clarifies Federal Override of State Laws on
Letter to the Board on the Notice of Proposed Rulemaking on the Prohibition of Using Reputation Risk as a Supervisory Tool
Equifax Flags a New Fraud Slipping Past Every Lender
CFPB Research Finds Individual Credit Data May Understate Household-Level Debt Burdens
US Regional and Mid-Sized Banks Are Dramatically Reinventing Their Business Models
Bill Dallas: Brace for CFPB Comeback, Avoid ‘Questionable RESPA Things’
OCC DOGE Regulatory Rollbacks Does Not Mean Regulatory Relief
CFPB Research: Household-Level Debt Burdens and Credit-Linked Consumers
Social Media “Tricks” and the Rise of Fraudulent Credit Repair
Home, Car Insurance Rates Based on Credit History Face State Scrutiny
Could Washington’s New CU Tax Become the Playbook for a Wider Attack on Bank Buys?
Millions in Losses Prompt Ally Financial to Escalate Lease Depreciation
Banks Can’t Outsource Judgment to Algorithms
Regulators Highlight Emerging Fraud and Scam Trends in Consumer Credit
Pair of Polls Point to Historically Dismal Consumer Confidence
Addressing Regulatory Challenges Facing Small Credit Unions
Regulators Highlight Emerging Fraud and Scam Trends in Consumer Credit
VantageScore CreditGauge™ March 2026: Credit Conditions Improve as Consumers Pull Back on Borrowing and Reduce Card Balances
Bessent Backs New Form 990 Disclosures
Bank M&A Is Back: How Can Boards Improve Shareholder Value in Today’s Market?
National Bank Non-Interest Charges and Fees: Interim Final Rule
Preemption of Illinois Interchange Fee Prohibition Act: Interim Final Order
9th Circuit Revives Experian’s Bid for Arbitration Over Mixed Credit Files
Medical Debt and the FCRA Are Back in Focus
NCUA Seeks Comment on Enhancing and Streamlining Data Collection
Homebuying Advances into New Era of Credit Score Competition
Interest Rate Risk: Interest Rate Risk Statistics Report
AI-Based Hiring: 2026 Developments Employers Can’t Ignore
LendingClub to Rebrand as Happen Bank
Mission Lane Applies to Become a Bank
Experian Supports Industry Readiness Following FHFA and FHA Move Toward VantageScore 4.0 in Mortgage Origination
TransUnion Applauds FHFA, HUD for Advancing VantageScore in Mortgage Lending
FICO Statement on FHFA and FHA Updates to Credit Score Modernization
ACU Urges Senate to Reject Any Tax-Status Threat In Budget Vote
Fannie Mae Announces Credit Score Model Updates to Advance Credit Score Modernization
Fannie and Freddie Allow Credit Scores Based on Rent and Utilities Payments
How Block Built a $200 Billion Credit Operation by Seeing Customers Traditional Lenders Can’t
Fed Chair Pick Kevin Warsh: What New Leader May Mean for Consumers
Beyond the FCRA: Navigating New York’s Unique Credit Reporting Protections
FHFA Director and HUD Secretary Jointly Announce VantageScore 4.0 Implementation for Fannie Mae, Freddie Mac and FHA
Freddie Mac Begins Accepting VantageScore 4.0
Debt Burdens Among Credit-Linked Consumers in the United States
EPIC and Coalition Renew Calls on Congress to Oppose Bad Financial Privacy Bill
Equifax Delivers Record First Quarter Revenue – $37 Million Above Midpoint of February Guidance
NCUA Announces Tenth Round of Deregulation Proposals
Expanded Credit Union Access Means a More Affordable Financial System
Goldman Sachs Warns US Consumers Could Have a Challenging Few Months
NCUA Proposes Streamlined Rules for Credit Union-to-Bank Mergers
Congress Needs to Reform the FCRA’s Treatment of Consumer Medical Debt
CUSOs Are the Most Underutilized Competitive Advantage in Credit Unions. Randy Salser Is Working to Fix That
NCUA Announces Tenth Round of Deregulation Proposals
CBA Urges CFPB To Finalize a Strategic Plan Grounded in Statutory Discipline, Durable Regulation, and Robust Nonbank Supervision
How Clearview FCU’s CIO Gets Employees to Use and Trust AI
CFPB’s Draft FY2026–2030 Strategic Plan Draws Industry Support, Caveats, and Pushback
When “Eligibility” Isn’t Inaccuracy: A Useful FCRA Reminder for Furnishers
UK FCA Publishes Open Finance Roadmap
Credit Card Rewards Don’t Rob Low-Income Consumers: Why The ‘Harvard Math’ Is Wrong
Fintech Rundown: A Rapid Review of Weekly News
CBA Urges CFPB To Finalize a Strategic Plan Grounded in Statutory Discipline, Durable Regulation, and Robust Nonbank Supervision